Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Here's what you need to know...

  • Classic car insurance (antique insurance) is generally cheaper than normal car insurance
  • Classic car replacement parts are very expensive
  • There are certain qualifying factors that you must meet before obtaining classic car insurance
  • You must keep your car in a secured location when it is not in use

Antique or classic car insurance is specifically created to protect classic cars. If you have a classic car, you need to protect it in the same way you would a regular vehicle. However, classic car insurance is different in several ways.

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Criteria for Coverage

In order to insure your vintage car, your vehicle must fall into one of the following categories to qualify:

  • Veteran-cars that were created prior to 1904
  • Edwardian vehicles- vehicles created between January 1905 and December 1918
  • Limited-rare, special interest, or limited edition cars

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A Few Things to Remember About Classic Car Insurance


If you are considering purchasing classic car insurance, there are a few things you need to remember:

  • Remember that not every “older” car can be covered under classic car insurance. Just because it is an older car or is no longer manufactured, for example, does not qualify it as a classic car.
  • The type of car is also important. Only foreign cars, convertible models, 2-door sports cars, cars with large V8 engines, and some 4-door models can be considered.
  • A car is not considered for classic status until it is at least 15 years old.
  • In the state of Massachusetts, a car must be 25-years-old before it is considered a classic and in order for it to be eligible for classic insurance.
  • Only adult-aged individuals can obtain and carry classic or antique car insurance. Kids under 18 or those who are student drivers are not eligible, even if they have a car that meets the criteria.
  • Driving history should be good and free of recent accidents. Classic car insurance companies want responsible drivers who they trust to take care of their car before issuing an insurance policy.
  • Your class car must be parked in a garage that is secured outside your home, not on the street where it could be vandalized or damaged.

Why do classic car insurance companies have such strict requirements?

Classic car insurance holds drivers up to very high standards because the parts that must be obtained for classic cars are extremely hard to find, rare, and expensive.

Replacing a car part for a standard vehicle is relatively easy. But car parts for vintage cars can be costly.

In the case of foreign cars, the parts often must be ordered from overseas, requiring high shipping rates and expense. Even if the parts are located within the U.S., the parts are much more expensive than regular car parts.

Protecting Your Investment

When you replace a part for a classic car, it must be exactly the same as the original part. If you do not replace it with exact parts, it lowers the value of the car.

With aging, a collector’s car gains more value. These types of cars are often shown in car shows across the country, local fairs and exhibits, and other events.

Therefore, they must be taken care of at a higher level than a normal vehicle that you drive every day.

Insurance companies will cover you for your antique insurance if you can convince them that you are a low-risk driver, that you will protect your investment, and that your car qualifies for classic car insurance.

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How much can you drive your classic car?

Another important thing to keep in mind is that classic car insurance coverage is contingent upon you not using the car as your primary vehicle.

You can drive your car sometimes, but these cars are meant for display purposes at collector shows and events. They are not meant to be used every day.

Driving your classic automobile every day increases the chance that you will end up in an accident, causing the car insurance company to have to pay for locating and buying hard-to-find parts. If you drive your car every day, your vintage insurance company may drop you.

What are the mileage restrictions?

This will vary among car insurance companies, so you should check around and compare. But, in general, you are limited to around 5,000 miles per year that you may drive your vintage car and still keep your classic car insurance intact.

The Good News About Classic Car Insurance

The good news about carrying classic car insurance is that the premiums are very cheap. You will only pay around $400 per year, on average, to cover your classic automobiles. Of course, you are still required to stick to your state-required minimums for liability.

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The Agreed Value Clause

Another factor to keep in mind is that classic car insurance is based on an agreed value rather than a cash value. In other words, you and the car insurance company must agree upon the value of the car if it had to be replaced or repaired.

Deciding upon an agreed value is done at the front end before an insurance policy is granted in most cases.

You should shop and compare policies and insurance companies to be sure you will be able to agree upon the value of your car with the insurer.

In cases where there is a disagreement between the classic car owner and the insurance company, a classic car appraiser may come in to assess the value of the car before the company issues a policy.

Most Common Claims on Classic Cars


It is interesting to note that the most common types of claims on classic automobiles are light damage claims such as claims involving objects that fall onto the car or damage to the body due to flood, fire, or other incidents.

These incidents usually happen on one’s own property. In fact, since classic car owners seem to take care of their cars so well, it is rare that you hear about a collision claim with vintage cars.

How to Get the Best Deal on Classic Car Insurance

When shopping for classic car insurance online, here are a few things to keep in mind to make sure you get the best deal:

  • Know what your restrictions are. You need to have an awareness of how much you are allowed to drive your car in order to be in compliance with your insurance company’s regulations.
  • Ask for an agreed value to discover how much your insurer believes your car is worth.
  • Present evidence of your driving record and storage requirements. Remember that you will get a better deal with classic car insurance if you convince the agent that you are taking care of the investment.
  • Shop and compare. Don’t settle for the first insurance plan that you see. Ask someone to help you consider all of the options.

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Questions to Ask Car Insurance Agents

Once you get a quote on your classic automobile, here are some questions you may want to ask the agent online as you do your research on the best deals:

  • What does my policy cover? Are the state minimums met that are required where I live? How much collision is included?
  • What is my deductible?
  • How far may I drive in a year using my classic car without a raise in premiums?
  • Will my insurance company drop me from my plan if I use my car too much or file a claim?
  • Will the insurance company pay to restore my classic car into original condition?

All of these questions are important when looking for classic car insurance coverage. So shop around before purchasing an auto insurance policy and compare rates to ensure you find the best deal.

Enter your zip code below to compare classic car insurance rates from multiple companies!